| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $91K | $18K | $109K | 4.20% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 13.18% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 6.54% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | THE DENTAL CONCERN, INC. | $7K | $9K | $16K | 8.10% |
| ASSUREDPARTNERS3 | 4500 TOWN CENTER BOULEVARD SUITE 200 JEFFERSONVILLE, IN 47130 | ONEAMERICA | $11K | — | $11K | 10.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $539 | $3K | 16.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $381 | — | $381 | 17.41% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 254 | $2.6M |
| Dental | THE DENTAL CONCERN, INC. | 261 | $197K |
| Vision | THE DENTAL CONCERN, INC. | 261 | $197K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $206K |
| Short-term disability | ONEAMERICA | 217 | $111K |
| Long-term disability(2 contracts, 2 carriers) | ONEAMERICA | 217 | $131K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 254 | $2.6M |
| Other(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 292 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.